Steven was very knowledgeable and helpful through the entire loan process. As a first time home buyer I had a lot of questions and Steven was always available via both phone and text, and extremely responsive to any emails. I thoroughly appreciated the personal attention and very high level of service I received from Steven, Katie and Kelly through the entire process. I will absolutely use Guaranteed Rate for any future needs and have already recommended Steven's services to a number of friends...

Lamar F. - Houston, TX | JAN 2017

This is by far the most efficient way of obtaining a mortgage loan. Steven and his team were excellent right from the word go. I never had to wait for responses for any of my questions - phone, email, text. Steven was available 24/7 to answer my questions, extremely polite, responsive and a great guy with amazing leadership qualities. Nicole is one of the most detail oriented persons I have ever worked with. She is thorough, meticulous and pays close attention to details. Like Steven, she was...

Jaivijay R.- JUN 2016

Steven McGilbray was the epitome of professional and responsive in all his dealings with me. He made the process about as painless as it is possible to make such a transaction in today's highly regulated environment. I plan to use Steven again should the need for a mortgage ever arise again.

Ellen B.- Houston,TX | MAY 2016

Steven McGilbray is excellent -- professional, responsive and experienced. He walked through everything and took the time to explain the details. We had some timing constraints, and he ensured that the process wasn't delayed and went above and beyond to keep me apprised of the process, dealing with any questions or issues immediately. I'm very, very pleased.

Miguel K. -Houston, TX | APR 2016

Steven McGilbray and his team made the complex, bureaucratic process of getting a loan pleasant. Steven in particular and others (Josh Blitz) were available even at the most inconvenient times and were always willing to answer every mundane, routine question with utmost attention and diligence. I always felt it was a very personalized loan process, tailored to my very individual needs and specifications and not just another applicant in the queue (even though that was probably where I was)....

Kingwood, TX Dec 4, 2015

This team works REALLY fast! Steven and his team seemed like they were working AROUND THE CLOCK, and the document management software they use is awesome. Steven was there for the closing, which was really reassuring. And they're rates and fees
were very fair. Extremely impressed overall.
Only issue is: they work SO fast that I was always the bottleneck to get them the information they needed to close quickly. As the customer, that's great, but they also inadvertently make that pressure...

Houston, TX- Nov 13, 2015

I switched from Chase to Guaranteed Rate. I couldn't have asked for better service from Steven! I got a great interest rate on my loan. No hassles or runaround. Fast, efficient and friendly. Ensured that funding was done so I could closed on time. Thank you!

Houston, TX- Nov 5, 2015

I had a great experience with Mr. .McGilbray - all of my questions were answered very quickly, I got a good interest rate, and he was able to successfully push my loan through very quickly so that we could close early. We made an offer on and executed the contract for the house on 9/11, and were able to close on 9/25. Everything went very well!

Houston, TX - Sep 25, 2015

Steven did an impressive job on helping me get the loan. He is knowledgeable, transparent to their charges and policies, and extremely prompt to all my questions and requests. We got a very good interest rate from Steven and he did a great job estimating the closing cost so there was not any surprises at the closing.

Katy, TX 77450- Sep 18, 2015

Steven was amazing. Very friendly, helpful and efficient. He was always available whenever I had questions!

Lauren U. – Houston, TX | SEP 2015

Steven and his team were extremely prompt, tenacious and most importantly, Steven demonstrated that he truly cared for the customer by attending the closing on a Friday afternoon.

Ranghavan R. – MISSOURI CITY, TX | AUG 20

Check out this Yelp review for Steven McGilbray!
Thanks to the patience and talent at Guaranteed Rate; we were able to close on our home July 23, 2015! Step by step, we were given detailed explanations for everything throughout the entire process. The housing market in Houston, TX is crazy and our case was unique, but our team of professionals (Steven McGilbray, Brock Green & Antoinette Broussard) took our situation and swiftly got us through the madness! I highly recommend this company!...

CT C. – Pearland, TX | AUG 2015

Steven did a great job in handling the whole process. He is extremely responsive and that was one of the biggest reasons why I chose Guaranteed Rate. He was very prompt and answered all the questions professionally.

Nikhil G. – Katy, TX | July 2015

Steven did a great job. He was helpful and responded quickly when we had questions. He answered our questions clearly and concisely.

Wendell K. – Houston, TX | May. 2015

Steven McGilbray did an outstanding job for us as our loan officer from the very beginning to the very end. If you are looking for excellent customer service, transparency in the process and extremely quick responsiveness to any questions you may have at any time, Steven is your man! He earned our highest praise and he will earn yours as well if you elect to choose him for your new home purchase. I was also impressed with Guaranteed Rate's approach to mortgage lending and the informative...

Victor W. – Houston, Texas | Mar. 2015

We shopped our loan before we chose Steven. He had the best rates, but he was also the most attentive and accessible. We would use him again in a heartbeat!

Cara F.

Steven is very passionate about his service. He is very responsive, flexible and customer oriented. My experience has been very great with Steven and Guaranteed Rate. Our closing was done under 21 days and he could have got it done sooner if required. He was also available during our closing to make sure everything goes smooth and very few lenders do that. 5 stars and Highly Recommended.

Satya K.

Steven and his team were able to close the loan in record time. Thanks!

Sugar Land, TX June 25, 2014

Steven was great. Literally available at all hours on any day to answer our questions by phone or email. Extremely prompt. He made our first home purchase really easy and he tried to take as much of the anxiety out of the process as possible. Really great guy.

A Satisfied Customer

Steven, it was a pleasure working with you and your team and I am happy that I decided to finance the home through you guys.
Even though, for now we shake hands and move different ways, I shall try to stay in touch with you.
Good luck to you and family and wish the best.

N.P.

About

Here at Guaranteed Rate, we have a philosophy to “lend where we live” and our office is proud to be originating loans in the Houston area. We are happy to call Houston our home and enjoy all our local attractions like the Space Center Houston, the Houston Livestock Show and Rodeo, World’s Champion Bar-B-Que Contest and more! In our market, we know that Conventional, FHA, Jumbo, Refinance and VA loans are important to you and we are not only dedicated to meeting those needs, but also are armed with a full array of loan products, so that we can meet all of your lending needs. We put the customer first and you will see this through our responsiveness. You can reach us 7 days a week and we also make it a priority to attend closings.

We are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. This is invaluable to both clients and realtors because it streamlines the loan process. It allows clients to choose their own loan type, receive free credit scores from all three bureaus, securely upload and digitally sign your loan documents then receive a real online approval!

You will find that we strive for the industry leading value proposition for our loan officers, referral sources and customers at Guaranteed Rate, which is why we work by a set of Core Values. While each of these are important to our success, our office embodies the “Put the Customer First” and “Deliver Results” core values.

As an office, we also believe that it’s important to have fun. We’re proud Texans and also love to root for our local teams, the Astros, Dynamos, Rockets and Texans!

Our branch is looking to grow its production this year, so if you’re looking for new career opportunities, start with us! We hire the best of the best and are looking for team members with integrity and honesty that are willing to go above and beyond to help consumers. Come grow with us!

FHA 203k mortgage facts

Find out more about the FHA’s 203k mortgage loan, one of the most competitive and innovative ﬁnancial tools available.